The Hartford does not currently offer this coverage online for small businesses, but we recognize that this is a coverage many businesses need. You may be able to get the coverage you're looking for through a local agency or with Tivly.

Commercial Auto Insurance in NC

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Protect Your Business Vehicles with Commercial Auto Insurance from The Hartford

commercial auto insurance nc Commercial auto insurance, known as commercial vehicle coverage or commercial car insurance, helps cover property damage costs and medical expenses when you or one of your employees is involved in a motor vehicle accident while driving a company-owned car for business. Small businesses that own vehicles and use them for business purposes are required to have commercial auto insurance in North Carolina.
 

Who Needs Commercial Auto Insurance in NC?

If your business owns any company vehicles that you or your employees use for work, you’ll need to have commercial auto insurance in North Carolina. Also, if your employees use their personal vehicles for business purposes, you’ll need commercial auto insurance to protect them on the job.
 

What’s the Difference Between Commercial Auto and Personal Auto Insurance?

Commercial auto insurance covers vehicles you or your employees use for job duties, like picking up supplies or making deliveries. Personal auto insurance protects your personal vehicles that are driven for personal use, like running household errands or commuting to and from work.
 
Typically, employees with valid licenses would receive coverage under your commercial auto policy as additional insureds. In addition, your commercial auto policy typically offers more comprehensive coverages, like higher limits and liability coverages, that you won’t see in a personal auto policy.
 

North Carolina Commercial Auto Insurance Minimum Requirements

In North Carolina, all vehicles need to have a minimum amount of auto liability insurance coverage. The minimum liability limits in North Carolina are the following:1
Coverage Minimum Coverage Required
Bodily Injury Liability Coverage $30,000 per person, $60,000 per accident
Property Damage Liability Coverage $25,000 per accident
Keep in mind that these minimum limits can vary depending on the types of vehicles your business uses. Your insurance agency may recommend higher liability coverage limits based on your industry and the types of vehicles you own.
 
In addition, your business or industry may require additional types of coverage.
 
You can find out what your other insurance requirements are by checking your USDOT number with the Federal Motor Carrier Safety Administration.
 

What Types of Vehicles Are Covered by Commercial Auto Insurance in NC?

If your North Carolina small business owns any types of vehicles, like cars, pickup trucks, box trucks or commercial vans for work, you can safeguard your operations with commercial auto insurance.
 
The Hartford also offers these types of commercial vehicle insurance:
 

Box Truck Insurance

Box truck insurance is a type of commercial auto insurance that’s designed specifically for businesses that use box trucks or straight trucks for work purposes.
 

Commercial Van Insurance

Commercial van insurance is a type of commercial auto insurance that protects your company-owned vans used for business.
 

How Much Is NC Commercial Auto Insurance?

small business owner covered by nc commercial auto insuranceYour commercial auto insurance cost in North Carolina often depends on your industry and the types of vehicles your business operates. There are several other factors that may influence the cost of your auto insurance coverage in NC, including your:
 
  • Vehicle type and value
  • Claims history
  • Coverage type(s)
  • Location and typical travel distance
  • Driving history

North Carolina Commercial Vehicle Insurance FAQs

Any vehicles, like cars, pickup trucks or box trucks, that your small business owns and uses for work purposes are considered commercial vehicles. Also, if you or your employees use personal vehicles for job duties, like picking up supplies or making deliveries, these vehicles can be protected under commercial auto insurance, too. Small business auto insurance can help you cover the costs of repairs and medical expenses if you or one of your employees get into an accident while driving for work – even if you’re not at fault.
No, Personal Injury Protection (PIP), sometimes called “No-Fault Insurance,” is not required in North Carolina.
Commercial insurance is just another name for business insurance. Both commercial insurance and business insurance are designed to help protect your company and employees from unexpected losses. With commercial insurance, your business will be protected from costly claims, like bodily injury, lawsuits, data breaches and property damage.
North Carolina is not a no-fault state. Personal Injury Protection (PIP) coverage is not required or currently available in North Carolina. North Carolina is considered an “at-fault” state, which means that at least one driver will be found “at fault” in the event of an accident.
 

Choose The Hartford for Commercial Auto Insurance in NC

We’re an insurance company backed by more than 200 years of experience. We know that your small business faces unique risks, so it’s important to be prepared when something unexpected happens. That’s why we make it easy for you to get a fast and free quote for commercial auto insurance in North Carolina. Call 855-860-9763 to get a quote today.
 

Additional North Carolina Business Insurance Coverages

More States’ Commercial Auto Laws

Auto insurance laws differ from state to state. To help make sure your business complies with state regulations, choose a state to learn about the minimum required limits and other essential information:
 
 
 
Last Updated: August 27, 2026
 
1 North Carolina Department of Motor Vehicles, “Insurance Requirements.”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
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